發(fā)布時間：2018-05-25 16:19

  本文選題：中小企業(yè) + 融資模式��； 參考：《華南理工大學》2013年碩士論文

【摘要】：經(jīng)濟全球化、市場信息化、文化多元化的現(xiàn)時代，不斷興起的中小企業(yè)正承擔著經(jīng)濟增長、市場多元、創(chuàng)新推動、就業(yè)緩解等多方面的責任與功能。然而綜觀當前中小企業(yè)在經(jīng)濟發(fā)展中作用突顯的同時，矛盾也越加明顯，其中籌資融資難困難是最為顯著的問題。 中小企業(yè)融資難既有企業(yè)自身的原因，如中小企業(yè)資產(chǎn)規(guī)模相對偏小、未來發(fā)展不確定性大、信用風險較高，也有制度方面的原因，如沒有建立完善的信用體系，導致信息不對稱，資信等級較低；融資機構風險評估體系不完善，評估體制不健全等，正是中小企業(yè)的內外部原因導致當前中小企業(yè)融資難的困境。在中小企業(yè)融資難的困境考察中，得出銀企信息不對稱是中小企業(yè)融資難的關鍵環(huán)節(jié)，而信用風險度量的建構則是解決銀企信息不對稱的關鍵，因此從此邏輯推演中小企業(yè)融資的信用風險度量研究正是緩解中小企業(yè)融資難的理論與現(xiàn)實需要。 本文通過文獻研究法和統(tǒng)計分析法對中小企業(yè)融資作現(xiàn)實考察，在對中小企業(yè)內涵要素、時代定位作現(xiàn)代界定的基礎上，剖析其融資難的現(xiàn)狀和產(chǎn)生此現(xiàn)狀的因源，再從信用風險維度考察中小企業(yè)融資與信用風險維度的關系與影響。通過比較與評價傳統(tǒng)與現(xiàn)代信用風險度量模型，以期尋求適合中小企業(yè)信用風險度量的應用模型，并對中小企業(yè)融資的信用風險度量進行分析。同時本文在數(shù)據(jù)采集與參數(shù)設定基礎上，應用多元線性判別模型建構相關函數(shù)與數(shù)據(jù)，以找尋中小企業(yè)融資的信用風險影響因素與相關影響系數(shù)，，以期為中小企業(yè)融資的信用風險度量提出建議。
[Abstract]:In the present era of economic globalization, market informatization and cultural diversity, the rising small and medium-sized enterprises are shouldering the responsibilities and functions of economic growth, market pluralism, innovation promotion, employment relief and so on. However, while the role of SMEs in economic development is prominent, the contradiction is becoming more and more obvious, among which the difficulty of raising funds and financing is the most obvious problem. The financing difficulties of small and medium-sized enterprises are due to their own reasons, such as the relatively small scale of assets of small and medium-sized enterprises, the large uncertainty of future development, the high credit risk, and the institutional reasons, such as the failure to establish a perfect credit system. It leads to asymmetric information, low credit rating, imperfect risk assessment system of financing institutions, imperfect evaluation system, and so on. It is the internal and external reasons of SMEs that lead to the current difficulties in financing SMEs. In the study of financing difficulties of SMEs, it is concluded that the information asymmetry of banks and enterprises is the key link of financing difficulties for SMEs, and the construction of credit risk measurement is the key to solve the information asymmetry of banks and enterprises. Therefore, the research on credit risk measurement of SME financing is the theoretical and practical need to alleviate the difficulty of SME financing. This paper studies the financing of small and medium-sized enterprises through literature research and statistical analysis. On the basis of defining the connotation elements of SMEs and the orientation of the times, this paper analyzes the present situation of financing difficulties and the causes of the present situation. Then the relationship and influence between SME financing and credit risk are investigated from the credit risk dimension. By comparing and evaluating the traditional and modern credit risk measurement models, we hope to find a suitable application model for SMEs' credit risk measurement, and analyze the credit risk measurement of SMEs' financing. At the same time, on the basis of data acquisition and parameter setting, this paper constructs the correlation function and data by using multiple linear discriminant model, in order to find the credit risk influencing factors and correlation influence coefficient of SME financing. With a view to small and medium-sized enterprises financing credit risk measurement recommendations.
【學位授予單位】：華南理工大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F275;F276.3;F832.4

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本文編號：1933863